eff EXPERIAN
We are going to buy a new car, so we had our credit pulled from all three agencies. When they say you should check your credit report every year you should listen. I follow my trans union report fairly closely but I took for granted that all three reports would vary so much. Well I was wrong. My experian report has seven different accounts and ten different charge offs, including a recent repossession, that does not belong to me. Of course their online dispute resolution center doesn't work, so I had to call the seven collection agencies of the 10 charge offs. And these rough ridin' minimum wagers. Each conversation began with them asking for my social security number, of course I tell them that these aren't my accounts so I'm not giving them my ssn. Because these minimum wage earners are in grab money mode they can't conceptualize why giving them my ssn won't help. So they ask for an account number, and of course experian redacts the last four numbers of the account numbers. So all of these phone calls resulted in mostly "we can't find you, you'll have to dispute it with experian." There was one company that were actually able to verify that I didn't hold the account and they immediately reported it to experian. Of course this was the first number I called so I expected all of the calls to be the same, WRONG, WRONG!
To top it all off experian has an aka name on my report that isn't my name at all, its it's just I completely different person. They can use this to dump whatever crap they want to onto my report. If these companies don't have my address or ssn, how are they appearing on my credit report? How in the hell is this legal? How is there not better federal oversight of this entire system?
Having the most basic and common name combination is such bullshit
eff EXPERIAN
